- State Bank and Trust Company - http://www.sbtcajun.com -

Interest Rates

Rates Current as of February 8, 2018

Personal AccountsRateAPY*
Standard Savings.15%.15%
Money Max Savings.20%.20%
N.O.W. Checking.15%.15%
I.M.M.A. (Insured Money Market Account).15%.15%
Christmas Club Savings.50%.50%
Vacation Club Savings.50%.50%
Business AccountsRatesAPY*
Standard Savings.15%.15%
Money Max Savings.20%.20%
Sweep Savings.50%.50%
N.O.W. Checking.15%.15%
I.M.M.A. (Insured Money Market Account).15%.15%

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)

I.R.A. RateAPY*
6 Month Fixed0.40%0.40%
12 Month Fixed1.00%1.00%
2 Years Fixed1.20%1.21%
3 Years Fixed1.25%1.26%
5 Years Fixed1.65%1.66%
18 Month Variable1.00%1.00%
3 Years Variable1.15%1.16%
5 Years Variable1.50%1.51%

Early withdrawal penalties apply for I.R.A. accounts. Penalty for all terms of I.R.A. is three months of interest.

CD TermsRateAPY*
7 to 31 days.15%.15%
32 to 59 days.15%.15%
60 to 89 days.15%.15%
90 to 179 days.20%.20%
180 to 364 days.40%.40%
1 year1.00%1.00%
18 months1.10%1.10%
2 years1.20%1.21%
3 years1.25%1.26%
3 years Bump Rate1.10%1.10%
4 years 1.30%1.31%
5 years1.60%1.61%
5 years Bump Rate1.30%1.30%

All regular Certificates of Deposit require a minimum balance of $1,000.00. A minimum balance of $1,000.00 is required to earn the stated APY*

All Bump Rate Certificates of Deposit require a minimum balance of $5,000.00. A minimum balance of $5,000.00 is required to earn the stated APY*

Early withdrawal penalties apply.

Penalty varies according to term of CD:

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)